Original publish date April 9, 2016 (hour 1). Note that content may be outdated as rules and regulations have changed. In episode 19 of the YMYW podcast, Joe and Big Al tackle some of the biggest questions about investing, including "Should I wait to buy a home until after the election?" and "If I'm a first time investor, should I invest with cash or margin?" Plus, Joe and Al look at the seven successful habits to help you reach financial independence, according to U.S. News & World Report. 02:46 - "With our firm, we act as a fiduciary 100% of the time" 07:08 - "April 18th is tax day this year" 13:01 - "California real estate is appreciated quite a bit more than the United States given the last 30, 40, 50 years" 19:51 - "Can I deduct my IRA contribution if I don't have an employer plan?" 27:49 - "The truth is you can save more in taxes than you think, but you must use a forward-looking tax-efficient strategy" 34:57 - "Paying yourself first means paying yourself before paying your bills…as our paycheck grows we tend to spend more"